What are some tricks to get cheap car insurance rates?

Finding cheap car insurance rates is easy when you use an online comparison tool. An online quote comparison can save you money on your car insurance premiums.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • Use the internet to compare insurance rates
  • Know the factors used to determine your insurance premiums
  • Find car insurance discounts that apply to you

While there are no magic tricks to get cheap car insurance rates, there are some places you can look and things you can do to make sure you pay the least possible amount for the level of car insurance coverage you truly need.

Specific tools, an understanding of rate setting methods, and knowing what discounts are available are all important in your comparison shopping for auto insurance coverage.

Follow these guidelines and you will be on your way to finding the best car insurance for your unique circumstances.

The quickest “trick” for finding cheapest full coverage auto insurance rates is to just enter your zip code above so that you can compare rates from many different car insurance companies online. Try it out now and see how much you might be able to save!

How can I get super cheap car insurance?


These days, you can find anything from a house to a spouse online. The same is true for cheap car insurance rates. You can easily search for cheap car insurance quotes online. By utilizing an online quote comparison tool, you will be able to generate a list of car insurance quotes that are customized to your lifestyle and needs.

An online car insurance quote comparison saves you effort and it will save you a considerable amount of money.

Just sit down at your computer with a few pieces of necessary information, and you will be able to answer all the questions (in one place, one time only) that will yield an array of results from respected car insurance companies.

The information required by the online quote comparison tool will likely include basic personal facts including:

It will also want to know about your car:

  • make
  • model
  • year
  • Vehicle Identification Number (VIN)
  • leasing or financing company

One thing you should make sure of before you give out your personal information anywhere on-line is that the site is secure and trustworthy.

On Microsoft Explorer browsers, the little lock icon next to the Refresh button at the top of the browser is a good sign that your information is being protected. If you aren’t sure your information is safe, it is best to keep it to yourself.

Once you’ve typed in all your information, the online quote comparison tool will instantly generate quotes from a variety of car insurance companies. At this point, you will be able to compare the coverage and rates to find the best policy for you.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How Insurance Companies Determine Your Car Insurance Quote

If you know exactly what car insurance companies look at when they are determining your quote, you may be able to save yourself some money.

Most companies weigh demographic, location and vehicle make/model most heavily when computing quotes. While you can’t change your age or gender, factors like location and car type are ones that are in your power to control.

If you are planning a move, look into average car insurance rates in that area. If you are buying a car, find out which models typically cost less to insure.

Car insurance companies also look at other factors that help them determine what level of risk you will present to them if they decide to insure you. Here are some of those factors:

All this information gives the car insurance company a clearer idea about how responsible you are behind the wheel. If you are stable in your personal and financial life, you are more likely to be less of a risk when driving.

The car insurance industry calls this equation your “financial responsibility score.”

Make the Most of Car Insurance Discounts


Make sure you are aware of all features and programs that may qualify you for a discount on car insurance. Anything that makes your car safer to drive, harder to steal, or cheaper to repair can lead to a lower car insurance premium:

The way you pay for your car insurance can also lead to cheaper premiums in the form of Electronic Funds Transfer (EFT).

With an EFT, you can send a payment directly from your bank account to your car insurance company. Many insurers will give you a discount for this convenience.

By making the most of technology, knowing which factors are used to compute your car insurance quote, and making the most of all discounts for which you qualify, you will be able to cut down on your car insurance costs.

Using our online quote comparison tool will have you on the road to savings in no time. Compare cheap car insurance quotes now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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